What's your money style? Which are you? the hoarder, spender, binger, worrier, money monk or mo

THE HOARDER- YOU LIVE FOR A GREAT BARGAIN.

THE SPENDER- YOU%26#039;VE NEVER MET A CREDIT CARD OFFER YOU DIDNT LIKE.

THE BINGER- YOU HAVE NO TROUBLE SAYING NO TO $4 LATTES, BUT YOU CANT RESIST BLOWING YOUR RAINY DAY FUND ON A NEW FLATSCREEN TV.

THE WORRIER- YOU LIE AWAKE AT NIGHT FRETTING THAT YOU WONT HAVE ENOUGH MONEY TO COVER THIS MONTHS BILLS.

THE MONEY MONK- YOU%26#039;D NEVER ASK FOR A RAISE, NEEDING MONEY MAKES YOU FEEL GREEDY. YOU TRY TO AVOID DEALING WITH YOUR FINANCES AS MUCH AS POSSIBLE.

THE MONEY MASTER- YOU ONLY USE CREDIT CARDS FOR THEIR CONVENIENCE, AND PAY OFF THE FULL BALANCE EACH MONTH. YOU SET ASIDE A PERCENTAGE OF EACH PAYCHECK FOR SAVINGS.

What%26#039;s your money style? Which are you? the hoarder, spender, binger, worrier, money monk or money master?loan forgiveness

I%26#039;M A HOARDER AND A PART MONEY MASTER. I NEVER USE CREDIT CARDS. I FIRMLY BELIEVE IF YOU HAVE TO CHARGE IT YOU CANT AFFORD IT. YES I DO SAVE MONEY EACH WEEK.

What%26#039;s your money style? Which are you? the hoarder, spender, binger, worrier, money monk or money master? loan

Money monk/spender/binger. I%26#039;m not greedy and don%26#039;t need much, but I don%26#039;t see the value in saving, so I spend it as I get it, helping others (like my kids) with whatever I have to spare.|||i know that i will need money for some things that might crop up. so i%26#039;m the worrier|||money master!|||A spender|||I am a combination of the spender and the worrier but I%26#039;m trying to reform my ways and become the money ma$ter!|||Definately the Worrier because money is tight right now and i%26#039;m barely making enough money to pay all my bills %26amp; rent, but i%26#039;m doing it! =)|||i don%26#039;t see %26quot;money saver-you use your cash wisley%26quot; anywhere!|||I guess I fit a few of those.

Curently I%26#039;m a worrier..

In the past I%26#039;ve been the hoarder and sometimes the spender. Anyway I look at money it%26#039;s just evil! It never makes me happy.|||I%26#039;m a combination of a hoarder and a worrier. I hoard my money looking for a bargain to give my three kids all I can and worry that money will be thin or gone when it comes to another bargain find.

Am i better off clearing my loan or mortgage?

I have a mortgage with a rate of 4.99% which i am allowed to take payment breaks from. Three per year. I have a loan at a rate of 5.2%. Would it be wise to take the payment breaks and use the money to clear my loan? My mortgage is 锟?15k and the loan is 锟?4k

Also, is it worth putting the loan onto a credit card with 0% interest until the 0% interest period is up and then sourcing another 0% interest credit card offer and shifting the balance continually like this until the debt has gone?

Am i better off clearing my loan or mortgage?bridge loan

Refiance your mortgage and incorporate your other loan into it. In other words let the mortgage co. pay off the other loan aand add it to your mortgage. You can also wrap up your auto loan in your mortgage to free up that higher interest rate.

Am i better off clearing my loan or mortgage? loan

id clear the loan and then focus on you house|||the credit card thing is a good idea if you are disciplined and wont use the card and will switch at the end of the term. i would say pay the loan off as the rates on loans are always higher than the mortgage rate.|||WWW.martinlewis.com for good sound advice on most financial aspects. My son used the advice on this website and was able to claim back literally hundreds of pounds in bank charges.

Give it a try good luck!

My advice though would be to clear the loan off.|||A personal loan is unlikely to be at 5.2%. This may be the headline rate (for headline read %26quot;we%26#039;re lying%26quot;). It%26#039;s the APR you need to compare.

Personal loans usually have an unfair method of calculating the early redemption cost. You need to take the hidden redemption penalties into account when deciding is you should shift.

The drawback with consolidating a personal loan into your mortgage is that it will take longer to repay so although the interest rate may be lower, the total cost is higher.

Moving to 0% credit cards can give a saving, provided you know what you are doing. Remember that these are designed to be introductory offers to trap the unwary into paying fees and interest. Read the small print carefully and don%26#039;t use the same credit card for purchases (any payments in come off the 0% chunk and you pay accumulating interest on the purchases). The other problem is that you are committing yourself to being able to find 0% deals in the future. These could dry up if banks have to rethink their charges.|||1. A mortgage payment break means you are simply deferring payment until later and the interest still accrues including interest on the interest you have just accrued by taking a break. It%26#039;s a bit of a con over say 20 years of the lifetime of the mortgage and you will on paper at the end of it paid through the nose for that break. You have to think a little beyond the initial bonus to you . . . the lenders do it for a reason and that%26#039;s to increase their returns over a longer period but suggesting to you that%26#039;s it%26#039;s a gift to you for being such a nice customer.

2. The loan rate you have is OK . . . even if it was 6.2% or up to 7.5%.

3. Credit Cards and 0% over 12 months. There is a fee of usually 2.5% to 3% depending on which card you apply for. In effect that%26#039;s 3% interest you are paying. Fine if you can keep swapping and applying for new cards every 12 months but what happens what if the credit card companies stop promoting 12 months free interest at the end of your period and you can%26#039;t get another card. Then you have to organise a quick loan instead and you may end up paying a higher interest than your first loan.

Finally . . . unless you desperately need cash for some reason, just keep paying back what you owe at the rates you already have.|||Hello,

(ANS) In my opinion I would advise you to pay off your mortgage first before anything else, why? a) its a large monetary amount b) interest rates may go up again c) you will be paying a much larger amount financially in the long term in interest and fee%26#039;s to the lender on a mortgage of 锟?15K than on 锟?4K.

**I was amazed once I cleared my mortgage how much money that freed up each month.

**Once you have cleared your mortgage (if you can) use the money from this to next clear your smaller loan at 5.2% on the 锟?4K. If you are self disciplined I think you will be surprised as to how quickly you could potentially pay this off. Bear in mind you could also think about even increase your repayments per month on the smaller loan once the mortgage is gone?

Ivan|||The loan has a higher apr - assuming that the interest is charged monthly. It may well be that the interest was front loaded and now you are paying the capital of the debt off.

If this is the case you don%26#039;t need to do any balance transfers. - In any case many of these now have fees and penalties hidden in them. .|||do not take payment breaks, those three payments a year

will help you pay off your mortgage faster at 4.99%, great

rate. Credit Cards have much higher interest, just pay whatever extra you can and get it down, switching credit

cards all the time is not good for your credit rating, even

if you close them. Too many inquiries are not good either.

What is the rate on your loan? And can you pay 14K in the

six months or a year at 0%, and what is the rate after the

0%, they can charge as high as the law allows which can

be 28% and that isn%26#039;t getting you ahead.|||Refinancing an adjustable rate mortgage (ARM) is a common practice for borrowers. However, it may not always be the best option. Depending on how high interest rates climb, there are cases when you could end up spending more on converting your mortgage than you would save with a locked in interest rate. Read more from: http://www.squidoo.com/badcredit-mortgag...

Where can I get a Cash Card with MY name on it?

I want to get a cash card, so I went to walmart, but the ones they have are ugly, cost alot, and dont have your name on it like a real credit card, are there any other banks that offer these cash cards with my name on it?

Where can I get a Cash Card with MY name on it?no fax loan

How old are you? Not enough info........

Where can I get a Cash Card with MY name on it? loan

I GOT ONE AT WALMART BUT YOU CAN GET THEM EVERYWHERE

RITE-AID

KMART AND MANY OTHERS

HERE IS A LINK WHERE YOU CAN SEARCH BY ZIPCODE YOU PURCHASE THEM AT THE RETAILER AND THEN IT IS EMAILED TO YOU WITH YOUR NAME ON IT|||There are actually quite a few places you can go to get these cash cards... altho, if you go to a store to buy one, it will not have your name on it. If you do want one with your name, i would just sugest signing up for on online... it is cheaper to do that too because you dont have to pay the $10 for the card, they just mail it to you, I found a pretty good website with a bunch to choose from - http://www.cashcardreviews.com , you can pick which one you want altho I recomend the account now visa, I have one of those and have no complaints. Hope I helped!|||NO ONE issues prepaid cards with names on them. If you open a checking account, you can get a DEBIT card. It looks and can be used just like a credit card, but it draws from your checking account as soon as you use it.

When do I stop doing a trial on Treasure Trooper?

I just did my first Credit Card offer (with a VISA gift card) on Treasure Trooper, and I don%26#039;t know if i can stop the trial immediately, or do I need to wait a few days or what? I would like to do it asap but don%26#039;t know if treasure trooper will take away the money I made. Thanks!

When do I stop doing a trial on Treasure Trooper?sba loans

I don%26#039;t think they take away your money that you made, but you can just call them up and find out for sure. support@treasuretrooper.com

Those online offers that always claim to send you free things, do they work? It seems like they do,

all you have to do is complete two offers.. And those offers ask you for your credit card number, but only for shipping. So if the item that you%26#039;re trying to get is a laptop ($1000 value) and you complete two offers that require $10 worth of shipping, wouldn%26#039;t you be making a profit?

Or do they use your credit card number later on for some other purchases?

Those online offers that always claim to send you free things, do they work? It seems like they do, because..?finance

Well have a look round on google to see if the site is legit or not. Some are, some aren%26#039;t. I cant see one what you need to do only 2 offers for is legit. As they need to make more than $1000 some way.

Those online offers that always claim to send you free things, do they work? It seems like they do, because..? loan

Most are phishing scams. One good clue is the form. Get to the form they want you fill out. Don%26#039;t fill anything out, just look at the URL (web address). Does it begin with httpS? That %26quot;s%26quot; is crucial. without it, it%26#039;s NEVER a save site to place orders from. That means it%26#039;s a secure site. I%26#039;ve checked out a few of those offers... and they were NOT secure sites.|||From everything I%26#039;ve seen, if you follow and accept all the offers that you have to do to complete the %26quot;free%26quot; offer, you%26#039;ll be out more money that you%26#039;ll be saving. I also suspect you%26#039;d have to be %26#039;extreeeemly%26#039; assertive to get said %26#039;free%26#039; item/service.

That%26#039;s the general rule of thumb and I suspect it would apply to this aswell. You%26#039;ll end up paying more one way or another.

What exactly can I put in my recycling bin?

Besides the obvious stuff like newspapers, plastic beverage bottles, and glass bottles..

Can I put stuff like receipts, credit card offer envelopes I don%26#039;t read, old homework, various plastic wrappers, fast food bags/wrappers/cups, toilet paper tubes, used paper plates, etc etc my recycling bin? plastic packaging (blister packs?)

Thanks!

What exactly can I put in my recycling bin?horses for loan

Yes you can recycle any paper product as long as it has no food residue on it, so your old receipts, old homework, junk mail, etc. is fine. For plastic wrappers and blister packing it depends on where you live/the company that takes care of your recycling. (The blister packs and other plastic containers should have a number in a triangle somewhere and the company that deals with your recycling should have a list of the numbers they accept.) For items that have been used for food, paper plates, napkins, etc., you can put these in your compost bin if your company provides you with one. (If you have no compost bin I recommend stating your own because it will help cut down your waste and provide you with nutrient rich soil and worms for fishing. Here%26#039;s a website on how to do it: http://www.compostguide.com) Oh and for those plastic cups just give a rinse and throw them in the recycle bin. Glad to see your recycling!

What exactly can I put in my recycling bin? loan

You can put in anything that%26#039;s recyclable, which includes things like metal, old towels, broken calculators, old computers, broken printers, unused or unneeded wood, pens, USB%26#039;s, anything that can be reused and remade. For anything like rotten items, dead leaves, banana peels, etc. you can place them in a compost bin, but if you are growing plants in a yard, these can be placed and the ground to decompose and provide minerals and nutrients to the soil. Happy recycling!|||You may want to invest into a paper shadder for personal papers.|||Yes!of course u can, any kind of paper plastic or cardboard material can be put in the recycle bin, thanks 4 recycling

hope i could help : )|||Yes, except for anything with food residue or blister packs with paper glued to them. So yes, yes, yes, maybe, no/no/no, yes, no, and no.|||YESYES! Im glad to see there are people who care about the environment. IM PROUD OF YOU!

I did some paid surveys and now i get junk mail all the time...?

my first question is will it ever stop?? and second if a credit card offer comes in the mail with my name on it can someone call the number and activate it or do they need more info than just your name b/c i dont want to get my identity stolen or get a bill or somethin crazy please help me!!

I did some paid surveys and now i get junk mail all the time...?credit cards

Toss everything......if i have time i mail the empty envelope back........no it will never stop.......junk mail.........just like spam on your computer........

I did some paid surveys and now i get junk mail all the time...? loan

If a credit card %26quot;offer%26quot; comes in the mail, it doesn%26#039;t contain a credit card. It contains an application for credit, which you can either fill out and mail back, or fill out online. The letter does not guarantee approval, and nobody can steal it and use it for identity theft, since there%26#039;s nothing inside except for an application, and a colorful insert that lets you choose which card style of the 4 to 80 they have, to choose from!|||When you sign up to fill out these surveys, your actually giving away your phone number, address, or other information that helps them solicit other products to you later down the line. In addition, they sell your personal information to third parties that%26#039;s why you continue to get %26quot;junk mail%26quot; and spam emails. The only way to stop them is to request them to stop by either replying with an %26quot;Un-subscribe%26quot; request (in the spam email you receive there should be an unsubscribe link available) or write to them and request them to cease all communications with you whether it be through email, snail mail, or otherwise. They must comply. If you want to back up your request send it certified mail, they have to sign for it, which proves in a court of law that they did receive your request and will be unable to deny it further.

A credit card company verifies more then just your name. If someone was to use your information to obtain a credit card that is not you, that would be fraud and a federal offense. Punishable with fines and/or imprisonment. They would need you social security number, current and previous address%26#039;s, phone number, current work and salary information, etc. in order to open a successful line of credit in your name.|||mark those emails as spam... and shred that junk mail!|||I give up my job 4 years ago.After that,I began to seeking good and easy methods to earn money at home.

Finally,I found the most legitimate, effective and fast way for beginner to make money is doing paid surveys if you have a computer with Internet access and can sit at your computer for 1.5-3 hours per day.

Check out http://blog.360.yahoo.com/blog-AzX_bxgga... to learn how to earn money with paid survey.

Good luck!|||Hi,

I would recommend you take a look here:

http://www.paidsurveyguide.org

It%26#039;s the largest paid survey review site and should help you get started.

Looking for some glue that will adhere plastic to paper without damaging anything!!?

we have all seen this stuff...it comes on every stupid credit card offer in the mail. I like to call it booger-glue...Its kind of like a gel, and peels off of whatever it sticks to.I need the name of this product, and where I can get it!!! Please help!!

Looking for some glue that will adhere plastic to paper without damaging anything!!?exchange rate

It sounds like you need repositionable adhesive transfer tape. Look at the link below, at the bottom: %26quot;928-100 Glue Tape Repositionable%26quot; is what you%26#039;re looking for. Note that you will need the dispensing gun too.

We used to use this tape to mount design sketches to matte board. It%26#039;s repositionable (obviously) but will adhere stronger over time. And like rubber cement, it can be %26quot;rolled up%26quot; to leave a clean, unmarked surface underneath.

You should be able to get it at an art supply store too.

Good luck-

...

Looking for some glue that will adhere plastic to paper without damaging anything!!?

loan

sounds like rubber cement. Any craft store.|||liquid cement|||I know exactly what you are talking about, it is disgusting isn%26#039;t it? It is definitely not rubber cement, that will damage your paper. I would try looking at an office supply store in the shipping section (where the packing material, boxes and envelopes are). I can%26#039;t think of anywhere that would have it.

Does anyone know if inventmycard.com is credible?

I got a letter in the mail for a business credit card offer, but when I searched it in google, only weird stuff comes up and the website doesn%26#039;t have any contact information

Does anyone know if inventmycard.com is credible?credit report

I wouldn%26#039;t necessarily trust it.

I%26#039;d stick with big companies with good offers to reel in customers.

Does anyone know if inventmycard.com is credible?

loan

try researching it using

www.ripoffreport.com

I believe you will love this site (free, no downloads)|||Inventmycard is a legit site you can learn about it here http://www.creditimes.com/inventmycard.h... they offer the Advanta Platinum Business cards and that is one of the best business cards on the market.

Which annoys you more?

a). e-mail spam

b). paper-based junk mail, (for example capital one credit card offer) etc..

c). telemarketer calling your home.

d). little kid selling magazine by knocking on your door

e). other________________________________

Which annoys you more?credit score

I choose :

e) people who smoke where you%26#039;re standing

f) people who carry on obnoxious cell phone conversations in line/restaurant

g) manipulative people

h) people who thumb down my answer for no reason!

Which annoys you more?

loan

paper junk mail|||e. my annoying MOM|||C) -- but I love messing with them|||e- all of the above.

does that count?|||d. because I have a hard time telling them no.|||c|||e-mail spam|||Definately a|||C.|||D because I can%26#039;t delete him or hang up...|||Definitly B%26amp;C and the other is the neighbor letting their dog crap in my yard.|||email spam is pretty damn annoying|||other: people who don%26#039;t like mana|||slow walkers|||C) by far! They never stop CALLING!! goodness|||E. All of the above, then some!!! :D|||email spam.. it just floods and floods the inbox.

UGH!|||C, especially if they are trying to give me a cell phone. D is easier to deal with--i just tell them that I will call them after I think about it.|||B|||a.), b.), and e.), and the blank is filled in by %26quot;emo/pop-punk music%26quot;|||A. email spam|||all of the above|||E)little kids throwing stones,footballs,sticks at my truck......drives me insane.|||C- that%26#039;s an invasion of my space. I can ignore, delete and throw the others out. The phone thing annoys the hell out of me. As for the kids, I always help them when I can.|||A} 4sho i hate all thoose but yea A cuz when im expecting a important e-mail i get

FREE I-POD ONLY THIS WEEK AND THEN I GET THE SAME E-MAIL NEXT WEEK LOL I HATE THAT|||What about...

(f) All of the above!!!

Aaaaaaarghhh!!!!!!|||all of the above moving telemarketers/beggers for donations to the top of the list.|||a)e-mail spam, i actually enjoy teasing telemarketers they crack me up. Its like prank calling someone except they call you so you can do it free of charge|||A, B and C equally. How can you be annoyed with a kid selling magazines or newspapers? They%26#039;re usually too cute and sweet to be irritated with them! ; )

Ever use 0% loans to invest?

Heh, I have another 0% credit card offer here. I%26#039;m also looking at some low yield bonds... I don%26#039;t miss payments, so anyone have any thoughts?

Ever use 0% loans to invest?signature loan

US EE or I Series Savings Bonds

Tax Free Municipal Bonds

ING Savings account at 4.35%

REIT Mutual funds such as UMREX or TAREX

Ever use 0% loans to invest?

loan

Read some credit,loans and investing tips on this site to help you with it|||no|||It is perfectly OK to do this under certain conditions:

1. If you do not have the funds to pay back the loan immediately, then you should only invest in 100% guarenteed investments. Other investments (stocks, corporate bonds, etc) have volitility that can really hurt you here. The best fit for this deal is typically 12 month CDs. However, there are savings accounts paying nearly the same as 12 month CDs, so those are good (and much more flexible) options as well. Don%26#039;t get greedy....take your 5% with a smile. Afterall, it%26#039;s free money.

2. Stay on top of this stuff. Do not under any circumstances miss a payment or even be late with a payment on this card or any other card. The way the system works now, if you are late with a payment to Chase, Citi can (and will) cancel your 0% and shoot you straight to 20%+.

3. Know when the rate expires, and don%26#039;t get caught off guard. If this rate expires a year from now, mark it on your calendar in red ink. Better yet, mark the day...and put reminders a few weeks before hand to pay it off before the rate jumps.

That%26#039;s about it. Keep in mind that when you take out 0% offers, it does increase your debt to income ratio, which affects your ability to get other credit.

There are lots of people doing and talking about this on fatwallet.com. Go there and click on the %26quot;Finance%26quot; forum if you want/need more info.

Dan|||Thought I was the only one doing this trick. I found out about it under a website that dealt with investments and alternative investments. It%26#039;s a rudimentary site, but it has good info. I refer to it often.

Click the tab free money or risk free investments. Something like that.

Is God a monster or it was because He knew it was ok for me to do that. pls read......thanx?

I%26#039;ve backslidden and I%26#039;ve made so many mistakes. 1) because I wasn%26#039;t a servant of God anymore. 2) Because my aunt who lives in Haiti expects my dad to take care of her but my dad himself has his own problems, she sent bad luck to me and evil spirits to destroy me. Nothing I did worked and I ended up dead broke. I cried to God for forgiveness n help and when God showed that person who did that to me, I wasn%26#039;t the same person anymore.

That%26#039;s a long story, lets me be specific.

After many nights of prayers, God gave me power to rebuke these spirits, sent them back where they came from but God wouldn%26#039;t help me financially not even $ to put gas. I couldn%26#039;t bare anymore. 1 day i receive a credit card offer for my mom n i used it 2 survive. I was able 2 pay it off. Now, I get another in her name 2 join a good program that i know i will succeed in. R%26amp;S judged me that i sinned(check my last ?). I know 4 this is the only way 2 make up lost time.

What do u think?

Is God a monster or it was because He knew it was ok for me to do that. pls read......thanx?rate my

What are you talking about---sin??? Let me tell you that most of us struggle with money issues, and many people are in some type of debt. Whatever other sins you are referring to...remember you are a human being and make mistakes. Just pick yourself back up and continue doing the best you can.

Is God a monster or it was because He knew it was ok for me to do that. pls read......thanx? loan

God will, has, helped you,,, by giving you intelligence and a body,,, you need to use both to get work, so that you can support yourself,,,,, you also have the knowledge to know that what you did was wrong,,,,, and using your moms name now is wrong,,,,, so,,, gather up enough money to buy a newspaper, look for help wanted ads,, you can even go by the newspaper office and get a Sunday paper, if you cant find one anyplace else today,,,, the Sunday one has more opportunities in it,,,,,,,,,,if transportation is a problem, use the feet God gave you and find a job you can walk to,,,,,,, Gods help is not in sending you money, or false ways to get ahead for right now,,,,,,, the gift is in making your own way threw life,,,,|||It sounds like your aunt is an evil old witch and I%26#039;m afraid it%26#039;s all over for you. Your life has been completely destroyed and none of it is your fault. So now you are going to die and go straight to hell and you have your aunt to blame. sorry. xx|||God can only help you if you help yourself, do what is right and everything will fall into place.|||If you think God is a monster, you will be feeling pretty bad when those monsters from Haiti come for you and you don%26#039;t have God to protect you. I would praise Him rather than falsely accuse Him.|||You should ask God, not Yahoo Answers.|||If you can abandon your attempt to explain the world in religious terms and try to just see it for what it is you will clear your mind of a lot of the nonsense that is confusing you.

I think you need to be responsible for your own life and not live off of your mom. You are using religion as an excuse for your stupid behavior.|||Dude, you need to read and study scripture, find a good non spiritism based church, and stop believe the spirits are out to get you. The only spirit that wants you is the holy Spirit. You are attributing bad circumstances to the unseen world with no justification. Quit watching Ghost Whisperer. Ask God to lead you step by step with open doors of opportunity rather than just throwing it in your lap. Maybe you have not given yourself over to God and are still trying to force your own way and asking God to bless you. Lose your life. Do not fret and trust Him. That%26#039;s what I think!|||The bible says, in Jude 9, %26#039;Yet Michael the archangel, in contending with the devil, when he disputed about the body of Moses, dared not bring against him a reviling accusation, but said %26quot;The LORD rebuke you!%26#039;%26quot;

I don%26#039;t think that God gave you power to rebuke any spirits, but that you heard from more evil spirits, posing as God, to fool you and draw you farther from God. Ask God for help, pray all night, or until you get an answer. Keep praying throughout the day, and don%26#039;t stop until you have peace in your spirit.

Savings account and CD's?

I want to have a savings account but I dont know which one to get. What would you guys recommend is the best out there? Also who has a good credit card offer out there? And how about CD%26#039;s, i just heard of them, what would be a good one.

im already doing research, but i want to know from any of you who have had personal experience with this. thank you.

Savings account and CD%26#039;s?rate my professor

Savings accounts generate almost no interest. Many people keep money in savings for emergency expenses, but I keep an unused credit card for that. CD%26#039;s are safe, generate a fair interest rate, but your money is tied up a long time. Do some research on mutual funds.

As far as a credit card, get a MasterCard or VISA. They have no annual fee. And, if you pay them off in full every month, the interest is zero. American Express cards have certain perks (like, frequent flyer miles), but there%26#039;s an annual fee of about $150 and they%26#039;re not accepted in as many places as MC%26#039;s or VISAs.

Savings account and CD%26#039;s?

loan

www.GMACBank.com

www.EverBank.com|||Citibank offers great CD rates, but their credit cards I wouldn%26#039;t recommend them. Also, their savings account rate are above 4.00%. Oh, and if you don%26#039;t want to die from a heart attack, i recommend you stay away from Bank of America.|||I like www.HSBCDirect.com for a savings account. They offer 5.05% and are a very reputibale bank. But i do know that www.eloans.com offers 5.25% on savings and 5.60 on CD%26#039;s. I have a friend that has am www.etrade.com savings account that gets 5.05% and she really likes it. It seems to be a little more user friendly as far as signing into your account goes. But, i don%26#039;t mind the added security that HSBC as. Over all i just definately recommend and on-line savings account because of the better interest rates they can offer. And as far as credit cards go if you have a good credit score I think that you definately want to go for one that offers points towards something you like (ie, airlines, hotels, cabela%26#039;s, etc.) or one that offers cash back such as Discover.|||There%26#039;s no simplified best, but keep in mind the following...

Savings accounts:

For savings accounts, they are less frequently withdrawn from than checking accounts (perhaps once every month at most). They%26#039;re more liquid, and offer a very negligable amount of interest usually around 1%. Savings accounts should be used for things like unexpected car maintenance, etc.

CDs:

If you don%26#039;t plan on using the money, or have enough in the savings to cover unexpected expenses and occurences then invest the money in a CD. CDs are federally insured no risk SAVING VESSELS, they%26#039;re not really an investment because interest rates while much higher than savings accounts are still considerably low, and really don%26#039;t do much more than counter yearly inflation and add a few extra dollars on top of that. So if you want your money to be about the same value a year from now or so, then put it in a CD not a savings account. Savings account will actually devalue your money if you don%26#039;t use it.

Credit Cards:

Don%26#039;t bother looking at credit card interest rates, if you%26#039;re concerned about that then you don%26#039;t need a credit card. Interest rates on credit cards only come into play if you aren%26#039;t responsible enough to pay off the bill each month in full, and in that case you shouldn%26#039;t use a credit card. Just look for good benefits in credit cards such as airline miles, rewards, etc.

I hope this knowledge will shed light on your financial decision making, and guide you to a sound choice.|||Again, may I suggest WAMU: Washington Mutual Bank. I love there :no fees%26quot;, an they do have CDs.

But Neither savings nor CDs will pay very much. If you are just starting out, which it sounds like, then choose a CD in the six months range. They are currently paying about 4.5-5% per annual. So in six months you will make on $500, about $12. Savings are even worse: most pay 2% maybe three% about $5-$6 in six months.

Please be aware that banks love the phrase %26quot;High interest%26quot; when it is in the neighborhood of 4.75%. That really is poor,

Accident in Rental Cars?

My friend was involved in an auto accident on the freeway today. He was in a rental car which he rented for the week.He did not get the ldw from the rental place, because his credit card offered it.Another car tried to pass in front of him, thus forcing him over to the side on the grass on the side of the freeway. There was a police report made by the highway patrol, and there was no damage to the car. Should he report it to the rental company or just let it go?

Accident in Rental Cars?payment calculator

so since there was no damage to the car there was in other words --

NO ACCIDENT....

Accident in Rental Cars?

loan

If there was no damage, don%26#039;t worry about it, don%26#039;t report it|||doesn%26#039;t an accident involve damage?|||Since there was a police report, it would be in his best interest to report it to the company. There may not have been obvious damage, but maybe something happened under the car.|||This was a %26quot;near accident.%26quot; If the vehicle was not damaged, struck by another car / object, or did not strike another car / object there was no accident. The police probably took an incident report rather than an accident report.

What are the latest telemarketing workarounds(scams) out there?

Starrting Tuesday the 10th, I started recieving calls on my cell phone from 000-000-0000. On Wendsday I answered and heard lots of talking like in a crowded room and couldn%26#039;t get anyone to answer me. Wendsday evening I recieved another call from the same number. I answered and heard the same background noise but this time could talk to the person on the other side of the call. It was a telmarketer with a %26quot;free stuff%26quot; / credit card offer. I declined and told them to %26quot;take me off your list%26quot;(this is the exact phrase you need to say to telemarketers so if the want to keep legal status they must stop calling you for at least a year.)

This 0 #%26#039;s is new to me, it used to allways be %26quot;restricted%26quot; caller id from telemarketers.

So, here%26#039;s my question: what other new ways have telemarketers used on you so you would give them a response and not just ignore or block them?

What are the latest telemarketing workarounds(scams) out there?credit check

Actually you have to say either %26quot;take me off your list%26quot; or %26quot;put me on your do not call list%26quot;. Also you should think about putting your phone numbers on the national do not call list, you can do this online https://www.donotcall.gov/register/Reg.a...

go here http://www.ftc.gov/bcp/conline/edcams/do... for additional info (such as it only being valid for five years before youhave to rgister again)

AS far as the 000-000-0000 goes it looks like it might be caller id spoofing http://www.schneier.com/blog/archives/20...

What are the latest telemarketing workarounds(scams) out there?

loan

i told them i didn%26#039;t need the cash. i got my husbands life insurance money after i killed him when he pissed me off. its fun and they hang up real quick.|||dunno, but I get a text message every day from an unknown number. All that is left is the %26quot;@%26quot; sign and a rocket looking object. No number to reply too.|||call center is the leading latest workarounds scams

http://www.market-iq-int.com

How do you count miles?

So,i`m filling out a credit card offer with a miles rewards 1 dollar spent-is a 1 mile earned.But how do i know if it`s worth it,if i don`t even know how many miles is my flight,is there any site,where i can calculate the flight distance.I checked orbitz and travelocity,and could not find any info...can you help me,please?

How do you count miles?student finance

Award flights aren%26#039;t based on the number of miles to that particular destination. The awards are given out once you reach a certain number of miles. The farther out of a particular region you want to go the more it is.

For example, for the airline of my choice, it%26#039;s approx 45 thousand miles for a trip in the continental US. To go outside, say down to South America, it%26#039;s 60K. It goes up from there.

How do you count miles?

loan

It will most likely be with your credit card company, check their web site.

Whats a balance transfer?

i saw a credit card offer this online and people talk about it,but, i never knew what it meant or what does balance transfer do??? someone explain it 2 me =]

Whats a balance transfer?credit union

A balance transfer is simply transferring the balance from one credit card to a 2nd credit card (usually a new card).

Example. Credit Card 1 you owe $500 @ 18% interest. You get a new credit card that is offering balance transfers @ 0% interest. You can transfer the $500 from Credit Card 1 where you have to pay high interest, to credit card 2 . This will pay off credit card 1, and now credit card 2 you will owe the $500. Alot of people will do this, so that they can pay money owed at less %.

Whats a balance transfer?

loan

If you had another credit card and owed a balance of $2,000 you can transfer that to your new card. Why transfer a balance? Because the new card might be offering a deal like lower interest rate then you are paying now for the balance to be transferred.

Then you owe a balance $2,000 on the new card. If you kept this up monthly, you might never have to pay that balance! :)|||That means you move the amount you owe from you current credit card company to another credit card company... usually one charging a lower rate of interest.|||A balance transfer is when you transfer the balance of one card to another. You can transfer all or part of your balance. What the credit card company does is make a payment for you to the other card. Be careful, most of the time they charge you a higher interest rate since it is a cash advance. Also, they will start charging you interest as soon as it is done, unlike a credit card purchase. They can also charge you a transfer fee|||A credit card balance transfer is the act of moving an existing debt from one credit card to another credit card. With a balance transfer, the existing balance is transferred to another credit card and then is subjest to the new card%26#039;s interest rates and fees.

Check out this FAQ for more info..

http://www.e-wisdom.com/credit-cards/bal...|||By taking up a right introductory offer of 0% and then switching over your balance to another card with equivalent plan, just when the old one is set to end, you can have massive savings. However look out for the following benefits.

http://debt-trap.com/category/Credit-Car...

Someone opened my mail and used my social security number, what now?

Someone opened a pre-approved credit card offer of mine and signed up for it online. It was denied, but my social security number was used. I live in NH, what can I do now? I have filed with the police, but want to know what happens now. I am 99% sure I know who this person is.

Someone opened my mail and used my social security number, what now?heart rate

The police will probably let you know in a few days. They%26#039;re likely trying to gather enough evidence to charge the person who did this. I would file for a new SSN too. Make sure you contact the credit card company in question and inform them that you are the victim of identity theft. They will monitor any other activity with your SSN or any credit card issued in your name.

Good thing it was denied!

Someone opened my mail and used my social security number, what now?

loan

If you%26#039;ve filed a complaint with the police, then let them do their job. If you think you know who it was, then let them know that too.

In the meantime, check out identity-protection programs like %26quot;Lifelock%26quot;. They can guarantee that you won%26#039;t be a victim of identity theft if you enroll in their program. I also suggest you contact TRW and the other credit agencies and get copies of your credit reports; there will be records there of unauthorized use of your identity (so far as credit cards and other applications) and you can keep an eye on your identity that way too. www.freecreditreport.com|||You might want to consider the site below for protection and restoration. Also, an Attorney can assist you with this issue as well.

Identity Theft is the No.1 Crime in America - rated by the FBI!

contact me if you have any questions.

Telemarketers: There have to be better things for an unskilled labor force to do than telemarketing!

5 things you would rather see people paid to do than annoy you at 9:00 at night on a holiday with a credit card offer for someone whose phone number you have because they moved to another city? Really! Can%26#039;t we pay them to plant trees or smile at people in front of small businesses or something? Any ideas out there?

Telemarketers: There have to be better things for an unskilled labor force to do than telemarketing! What are?credit counseling

Well, maybe they could work the lay-a-way dept at Wal Mart for one.

They could sell sea shells by the sea shore for another.

Or learn to buy and sell on Ebay

Or Donald Trump says he wants them to be rich so that%26#039;s an idea!

then again...

McDonalds is always hiring. LOL! Believe me things are different BEHIND the counter!

I worked there for 4 years, I aslo did the telemarketing for a while but I think I actaully prefer McDonalds! (Did I say that?) I must be coming down with something.. I feel so strange! I have indestion! Heart palpitations! Help!! Help!! I%26#039;m going.. I%26#039;m going... I gon.........

Telemarketers: There have to be better things for an unskilled labor force to do than telemarketing! What are?

loan

Start your own business mowing lawns or cleaning. The latter, especially can be started with very few costs.|||They are just doing there job. Did you ever stop to think that it may be the only job in their area? There are 2 major call centers where I live, and they do pay the best around. So, maybe it is the only job worth doing in their area. Granted, I do not work at either of these places.|||I love getting Telemarketer calls so I%26#039;m not going to help you steer them away.|||i know it is really annoying but i think they are simply doing there job. that is one way for them to earn money and to do a living.

Need a great payday loan site?

Anyone have a great site that gives you approval and not a credit card offer.

Need a great payday loan site?credit repair

DON%26quot;T DO IT!! Those people are sharks...400% interest, etc. The Mafia would be a better deal and I%26#039;m serious!

Need a great payday loan site? loan

If you need cash in an emergency and you have absolutely NO other way of raising money, then a short payday loan may be your answer. But it only works if you definitely pay it back on time. Having said that, here is a site with lots of information about payday loans, pro and cons, how to get one, what to avoid, etc.

Good luck!|||get most useful info about loans visit http://www.freewebs.com/***********|||Hello there,

.Are you into debts? Do you have a bad credit?Are you financialy down.Do you need a loan for christmas?I give out loans at low interest rate of 3%.I give out loan to Business,Auto and personal loan to Men and women who are into Business transaction, I give out long term loan for three to five years maximum with your interest in this you can as well tell me the amount you need so that I send to you the terms and condition that is if you are realing interested in getting a loan from me, Loan is given out in Pounds and $US and SGD the maximum I give is 5,000,000 both in pounds and $US and the minimum 1,000 pounds and US$ and SGD so if really you are interested mail for more info on how the loan can be transfered to you. There is one Question i have to ask are a serious individual that we take a loan and pay back after duration with the interest, if you are honest I will trust you because I like to do business with Honest people if you are one you will get the loan with out problem and for your information if you should more loan like $10,000,000m I can give only if you are one of these cartigories: Manager of a company A private Holder A broker in banks A director in any office or company A high investor of and compay If you are one of the following you can get $10,000,000US as loan or if personal loan you can request for 5,000-5,000,000 as loan. hope to here from you soon. NAME:............................ COUNTRY:......................... send these info it is important. Mind you loans is given to every part of the world only if i see you to be honest and will pay back after duration. If you are interested you have to send the amount you need as loan so that i can give you the terms and condition on the loan for your information loan are given to every part of the world on honest people so if you are honest apply for the loan now at cpc_consultant@yahoo.com|||Listen to Comma toes!

She%26#039;s right. 400% APR interest? ONLY A FOOL would pay that!

On a fixed rate of 5.99% until 2010,,,,can rate change and go over 6%?

credit card offer

On a fixed rate of 5.99% until 2010,,,,can rate change and go over 6%?postage rate

Read the fine print. If it states it%26#039;s fixed at 5.99 until 2010, they cannot raise the rate until that time. But after 2010, it can go up as high as they want it to, 22-24% isn%26#039;t unheard of.

All have to do then is find another card with a low introductory rate that lets you transfer your balance. I%26#039;ve been switching cards like that for years and have never paid higher than around 6.5%

On a fixed rate of 5.99% until 2010,,,,can rate change and go over 6%?

loan

Credit card companies reserve the right to modify their APR rates and policies.

I am very sure this is stated somewhere in the %26quot;legalese%26quot; of the %26quot;terms and conditions%26quot; disclosure you were provided upon opening your credit card account.

However, the credit card company is REQUIRED by law to notify you in advance IN WRITING should they make any changes in your APR, especially when they have previously marketed a fixed rate.

Usually, when the credit card company notifies you of a change in your APR, they will provide you with the option of notifying them that you do not accept the new %26quot;terms and conditions%26quot; of the credit card account.

They will then close your account and you can pay under the old terms. However, you can not make any new purchases as the account is closed.|||Hi,friend

Sorry to bother you .

I have a store on yahoo.we main sell chinese Antique,Jewellery ,pearl;name brand watch,MP3,MP4,kinds of Memory ;Nike,adidas ,Polo , more name brand clothes and kinds of Musical Instruments and so on .if you have free time ,i hope you can click my store .if you interesting in purchase ,i hope you don%26#039;t miss this choice ,We are sincere serve for you,if you like our store ,i hope you can tell your friend .my store link is www.llpshop168.com ,i am a new yahoo user ,i hope you can give the precious suggestion for me .

our service msn is llpshop168@hotmail.com ,llpshop168@hotmail.com

my yahoo message is llpshop@yahoo.com

ICQ:357779734

Best wishes for you and your family

llpshop168

What did you get in your mail today?

I got a credit card offer, mail for the people who lived here before me, my cable and light bill............BORING!!!!!!!

What did you get in your mail today?honda finance

pizza offers, some furniture catalog and invitation letter for a ping-pong tournament

What did you get in your mail today? loan

Mine won%26#039;t come for 2 or 3 more hours. I really doubt there will be anything.|||So far about 150 Spam emails (I get 400+ per day), customer requests for updates to their websites, hosting payments, software orders, comments on my blogs, a few marketing newsletters, new subscribers to my newsletter and several notices from Yahoo! stating my answers were chosen as best. :-)

Using strong Canadian credit history for US cards or balance transfer?

I am looking for US banks that can check Canadian credit history, or Canadian banks that can mail credit offers to the US. I have A+ Canadian credit history but I now live in the US, and I%26#039;m a US citizen.

I have heard that Bank of America will check Canadian credit history for US cards and have an application in. Does anyone know of any others? I am looking for low interest (10% or lower hopefully) or low interest balance transfers.

Using strong Canadian credit history for US cards or balance transfer?heart rate monitor

I%26#039;m wondering if you have an American Express card. If you do, and your account is in good-standing, tell them your situation. Say that you recently moved and that you want to open a new AMEX account in the US. See what they have to say... I only say this because they are not a bank-specific credit card company; AMEX is global.

I have recently removed a fraud alert form my credit file....?

will I receive mail offers from Banks and credit cards companies?

I have recently removed a fraud alert form my credit file....?credit card debt

The offers don%26#039;t have anything to do with the fraud alert - that%26#039;s totally different.

The opt out program is run by the credit agencies. You can change your selection at:

http://optoutprescreen.com

1-800-5-OPTOUT

I have recently removed a fraud alert form my credit file....?

loan

It will take a little while, and if you are not opted out, you will start receiving credit offers.

Entering into credit counseling with a debt management program?

I am entering into a debt management program with a credit counseling company. I have about $17500 in debt %26amp; my payment with the company would be about $400 a month.

My question is, would creditors be willing to accept 1/2 of the minimum balance that is due usually...I have 3 cards I%26#039;m in debt with...one is $285/month, $185/month, $165/month. I%26#039;m already 2 payments behind with 2 of the cards. Would the credit card companies accept a personal offer of 1/2 the usual minimum for a certain time frame? So I%26#039;d offer them $142.50, $92.50, $82.50.

Or since I%26#039;m already behind on payments should I stick with the debt management program (I just signed on with them %26amp; have to make my first payment on 9/28) %26amp; wait until I%26#039;ve been in the program a few months %26amp; then try to talk personally to my creditors %26amp; see what I can offer at that time??

Entering into credit counseling with a debt management program?care credit

I work for a pretty large global bank. I would stick with the CCCS program if I were you. I have worked in several areas such as auto loans, corporate/business credit cards, private label cards, co-branded cards, unsecured lines of credit, etc. There are hardship programs out there for banks to offer you, but I don%26#039;t know if it would cut your payment in half, if it did...It wouldn%26#039;t be a very long term plan. Many hardship programs are not for the life of loan/balance. The revenue comes from finance charges and late fees, which many banks do not want to part with, but all banks are different. Keep in mind, these CCCS companies have working relationships with these banks and usually get you a decent deal. Just make sure you are not signed up with a debt settlement company....Chances are, you%26#039;ll get sued.

Entering into credit counseling with a debt management program? loan

It would have been more convenent to work with the creditors yourself and work out a deal with them. Some debt management programs can hurt you because it takes the power out your hands to make legitament negotiation with your creditors to reduce your monthly payments. The objective is to maintain good standings .|||You really should be working with your creditors yourself. If you deal with it yourself you know whats going on. If you leave it up to someone else then you only know what you are told by the company you hired.

What they will do is not pay your creditors for months and then try and settle for less. You really need to do it yourself. Save the fees they charge and use it on the debt.

Remember, if they dont pay your creditors. You, and you alone are still responsible for the debt. Your creditors will come after you and not the company you hired to handle it.

They will settle for less than the amount owed but they want it asap so you need to start saving now.|||Dave Ramsey says when you use companies like these you get %26quot;better interest rates and lower payments, but at a price. When you use one of these companies and then try to get a Conventional, FHA, or VA loan, you will be treated the same as if you had filed Chapter 13 bankruptcy. Mortgage underwriting guidelines for traditional mortgages will consider your credit trashed, so don%26#039;t do it.%26quot;

I would call your credit card companies and explain your problem and your suggestion for dealing with the problem. They will probably be happy to see that you are planning on paying anything. Remember though that if you pay half your credit card payment that you will probably be paying the interest only and you will not be getting to the root of the problem, the debt (the principle) itself. Look at the website I mentioned below. He has a lot of great ideas!

Do store credit cards(Macy's, JCPenny's) add to my credit history in USA ? These cards don

Store credit cards like the one%26#039;s offered by Macy%26#039;s and JCPenny%26#039;s do not work outside the store. But they act as proper cards inside. They do take SSN numbers n stuff to actually offer you one. If they do add to credit history, should I be expected to keep using it frequently?

Do store credit cards(Macy%26#039;s, JCPenny%26#039;s) add to my credit history in USA ? These cards dont work outside.inflation rate

Usage and payment of these cards will be reflected in your credit report just like any other type of credit card. I would not

use the card more than you would normally and I would try to keep the balance paid off.

Do store credit cards(Macy%26#039;s, JCPenny%26#039;s) add to my credit history in USA ? These cards dont work outside.

loan

http://creditcard.creditinspector.info has excellent info related to dealing with credit cards. Check it out!|||I recommend getting a credit card at a major issuer over store cards. If you are having trouble getting approved for a credit card you might try for an Orchard bank card. It is for people with bad/no credit and are easy to get.

Visa debit card?

I need a visa debit card like now. The online banks and agency offering free sign ups require that I have a credit card before I can order any card from them! Do u know of any organization which offers truly free debit cards?

Visa debit card?credit bureau

The IMPACT Visa? Card is a very popular prepaid card . This Prepaid MasterCard? Debit Card does not extend you credit. Instead, accounts are prepaid for a specific amount and accounts are only good for the balance you have loaded/applied. The IMPACT Visa? Card has a wide acceptability and this Prepaid MasterCard? Debit Card can be used at more than 20 million locations worldwide. The benefits that come with IMPACT Visa? Card are:

# The IMPACT Visa? Card has no credit check of bank account requirement. There is no employment verification for IMPACT Visa? Card.

# Toll- free phone support and a 24 X 7 On-Line Account Access makes owning and managing the IMPACT Visa? Card a hassle free experience.With the IMPACT Visa? Card you can set up automatic bill payments, eliminate check writing hassles and can pay your bills over the phone.

# The IMPACT Visa? Card is very easy to purchase and gives multiple options to place money into your debit card. If you just changed your job, don%26#039;t worry your IMPACT Visa? Card can be taken from job to job and can even have money directly deposited by your employer.

# If safety is your concern, the IMPACT Visa? Card is the right prepaid card for you. It helps you store your money safely and eliminates the need for money orders or walking around with cash in your pocket.

Apply Online At: http://www.credit-card-gallery.com/PrePa...

Visa debit card?

loan

Regions Bank does not require a credit card to have debit card.|||No. Have you looked at your local banks? If its an emergency you can buy prepaid reloadable Visa or Mastercards at many convenience stores, like Green Dot or Vanilla.|||Try other local banks. Don%26#039;t try online banks. Debit cards may or may not be free. The money comes out of your checking account, so you need to have money in your checking account.

I would look for a bank that does not charge a fee for a pin or a signature transaction. Also, look for a bank that does not charge a monthly fee for their debt cards. You still may get charged for foreign atm transactions.

Will transfering balances btn my credit cards hurt me?

I have 4 major credit cards, and i was wondering if I transfer balances btn them, when they offer deals on Balance transfers will it affect my credit score? I%26#039;m not opening any new cards, I%26#039;m merely taking advantage of promotion they offer on existing cards.

Will transfering balances btn my credit cards hurt me?child tax credit

No... simply transfering money between open accounts will not impact your credit score. If you opened a new account recently to transfer a balance, that could have a slightly negative impact since you%26#039;d have a new, open line of credit and another inquiry on your credit report. But this shouldn%26#039;t have a long-term effect...

Will transfering balances btn my credit cards hurt me? loan

No, it wont hurt you. Credit reports generally look at an overall utilization ratio, so keeping the same balance and the same overall limits wont do anything. (But remember they often charge 3% transfer fees!)

There might be a temporary change when one card reports the higher balance before the othe reports the payoff, but it will balance out after the other card catches up.|||no. That is what I did with one of my high balances. I transferred that balance to a low minimum due credit card, so I can save a few extra dollars.

Free credit report from Experian. I can not contact them v?

I have been offered a free credit report but am asked my credit card details before I can access my report for 30 days free trail. I can%26#039;t do this as I have been refused credit cards and am confused as to why. I have always and still pay all my bills yet Iam still refused a credit cards or loans?

Free credit report from Experian. I can not contact them v?mortgage lenders

I am exactly the same! i dont have any credit cards, store cards or anything! and i cant even get a 39.99% apr credit card. You can try Vanquis.co.uk who do high interest credit cards ( i didnt get one) then if you use it for say your pet food, then pay it off in FULL each month then that will get your credit up good. But when i got the letter from Vanquis to say i hadnt got one, the told me to go to www.checkmyfile.com and check my credit report. I filled all the forms in online and paid the fee ( 锟?.95 but i need to know why i am not getting credit) only to find out that i can not be identified. I did email them and they were very helpful, they did say that the credit reference agenies couldnt verify me at my previous addresses. I therefore have to send in original letters and bank statements with address of my previous places so they can verify i lived there. I am in process of doing that now but they did say that if i cant be verified after that then they will refund me my money - so its worth a try.

Then at least if you get your report done then you can see why. it may not be your fault. me and my brother have same initals, so it could be something from him when we both lived at my mums.. you never know until you get the report.

Free credit report from Experian. I can not contact them v?

loan

This is the site where you get a free report once per year. Also if you are denied credit you are entitled to a free report. There is an address you can send request to if you have been denied.

https://www.annualcreditreport.com/cra/i...|||go to Annualcreditreport.com

Freecreditreport.com is not free...go figure|||You can use a debit card or someone elses in you household. You have to put in card details so they%26#039;ll charge you once a month if you dont cancel within the 30 days. If you cancel within that 30 days you dont have to pay anything and nothing will be charged to that card!

Student Loans for Bad Credit?

Unfortunately, due to me being careless, I messed up my credit. I need help paying for school because my fin aid will not cover the full amount. I have credit cards, but my school does not accept credit cards as a form of payment for tuition. I also do not have a co-signer because I am on my own. I am considering calling my bank on campus to see if they can give me a loan for $1000, to cover the rest of tuition. Does anyone know if this is something banks usually do? Also, does anyone know of any other banks or companies( ex. Citi, Wachovia) who offer bad credit personal loans? PLEASE HELP!!!

Student Loans for Bad Credit?unemployment rate

Education is a great thing but it is never worth going into debt. Even if you graduate, the stress of trying to find a job (quickly) while under the dark cloud of debt is tremendous. You should get a job and go to school part-time. If you are only $1000 short, you should have enough on hand to pay for a part-time load. Some employers will even pay your tuition (big companies, government). You have a lot of options besides student loan debt.

How is credit affected by settling an account for less than what is owed?

For example: I have a credit card that had an original credit limit of $500...I HAD it paid down to $300...stopped making payments, bill is now over $900, creditor offered a settlement of $488. How will accepting the offer affect my credit?

How about in general, how do settlements on loans and credit cards affect credit report/scrore?

What if the bill is current and you make a settlement? Does that show up negatively on your report?

How is credit affected by settling an account for less than what is owed?credit card offers

It improve your credit if you agree to the creditor negotiation but will not be remove after 7 years.

Your existing past dues account is already hurting your credit.

I say about -25 to -75 per month on your credit score for keeping a existing past dues account.

How is credit affected by settling an account for less than what is owed?

loan

It is in your best interest to take the settlement.

This card has been sent to collections and this is the creditor%26#039;s best effort attempts to acquire what they can. They%26#039;re doing this for themselves as they wish to stay a profitable company. Alas, it works towards your favor too!

By taking the settlement it can do nothing but help you as your creditor will report you to the credit agencies as you did pay off the credit card and there won%26#039;t be official record on your credit that any settlement was ever made except show that the account was changed to paid/resolved which is incredibly better than permanent delinquency/ charge-off in the eyes of creditors. It shows you are making your best efforts and are in good faith. This works in your favor!

By taking a delinquency out of default it can increase your FICO score and help you begin to repair the damage much more easily and in a shorter amount of time.

Best advice, take the settlement! If you can%26#039;t afford the amount right away, a lot of times they will work out a payment plan. Otherwise, find a way! You%26#039;re *VERY* lucky they%26#039;re willing to settle with you and forgive all the extra penalties from late/delinquent payments.

Do you want a free ps3 without completing any offers?

I am13 years old and have been trying to find easy ways to get myself a free ps3 unfortunately every time I came across a sight you have to vomplete offers that you need a credit card to complete. I continued to search for a good site and I came across this site where all you have to do is earn points by viewing videos and you can buy tons of prizes with these points including a ps3. I I highly recommend this site if you want a free ps3. If you are interested please click this link

http://www.gametrailers.com/register.php...

If you do click this link and join the site post an answer letting me know. thankyou.

Do you want a free ps3 without completing any offers?credit check

You can indeed get a free playstation 3 from there. If all you did was watch trailers though, you would have to watch 62,500. The only possible way to do it is to refer people to the site where you get 500 points per referral. In this case you would need to refer 125 people to get enough points.

Do you want a free ps3 without completing any offers? loancan i have one for free and mail it to me? Report It

|||No|||gametrailers is just for that, trailers, i may be wrong here, but i%26#039;ve nver heard of them giving out PS3%26#039;s or rather, any system at no cost just for viewing videos....if i%26#039;m wrong, just tell me|||my scam senses are tingaling. nothings free in this life.

Are credit unions better than banks? Do the offer good deals on credit cards?

I%26#039;m looking for 0% interest for a good amount of time and 0% balance transfer fee. Help?

Are credit unions better than banks? Do the offer good deals on credit cards?student finance

it all depends on your fico score....... credit unions do tend to have better rates on loans and many require that you be employed at certain companies ...

Are credit unions better than banks? Do the offer good deals on credit cards? loan

Credit cards suck!!! stay away from them...go read the book totaly money makeover by dave ramsey...he will change your perspective on credit cards and all types of other things

Does bank of america offer virtual debit or credit cards?

i strongly agree with lacey,b of a charges for everything,,i would go with wamu.

Does bank of america offer virtual debit or credit cards?credit union

B of A is the absolute worst bank ever....it doesnt automatically calculate how much money you have when you spend somethin or when you deposit money...they wait to tell you how much money you HAD after they charge you a $35 overdraft fee because you thought you had money in there..i highly suggest you dont use B of A

Does bank of america offer virtual debit or credit cards? loan

they offer credit cards, but if you need just a debit card visit your local branch to open a checking account.

This is their website: www.bankofamerica.com

What is the difference in APR between revolving credit and installment credit?

I recently transferred my remaining two credit card balances to a card with a balance transfer rate (APR) of 4.99%. I am paying off the card at the rate of $1000 a month. I should have the card paid off by the end of the year. A Lender called me today (I had paid off the lender) and said I should consider an %26quot;installment loan%26quot; with the lender at a higher rate (8%). She said my APR was %26quot;revolving credit%26quot; and she could offer me %26quot;installment credit%26quot; which was better, even at the higher rate. What%26#039;s the difference in the two? Would I save any money with an installment loan?

What is the difference in APR between revolving credit and installment credit?heart rate

no sweetie you wont be saving money because THEY ARE CHARGING YOU HIGHER INTEREST

no matter how good they try to make it sound you are not saving a dime with a higher interest rate than what you have right now

Can anyone tell me what banks offer "easy to get" credit cards for people with bad credit?

You may want to check where you do your banking to see if they offer a low balance credit card or a secured credit card. Secured cards are the easiest to get becuase you have to put a deposit upfront in order to secure the same amount in a line of credit. Orchard Bank has them, Bank of America has them, for a more complete list you can visit this website

(http://www.creditcards.com/bad-credit.ph...

But I would try to get one where you do your banking. If you don%26#039;t have a bank account, then you might want to check these guys out (http://www.acountnow.net)

It%26#039;s the perfect alternative to a checking account.

But once you get the card, make sure that you don%26#039;t get in over your head by making small purchases that you can pay off on-time,every month. And use the card only in emergencies.

Can anyone tell me what banks offer %26quot;easy to get%26quot; credit cards for people with bad credit?credit counseling

I think Orchard Bank does.

Can anyone tell me what banks offer %26quot;easy to get%26quot; credit cards for people with bad credit? loan

www.orchardbank.com|||Orchard bank.|||There is a website at http://www.bad-credit-credit-card-for-pe... that has a list of credit card providers that issue credit cards to people with bad credit.|||easy credit card listings

http://www.wesayes.com|||You%26#039;re local bank will offer you a credit card as long as you have a good history with them. However, because of bad credit, you will be getting a near outrageous interest rate.

You%26#039;re best bet is to work on getting your credit score up. Pay off any debt, especially credit card debt, that you have now. Don%26#039;t open any cards until you are on good standings with your creditors.

Credit repair solutions... Help!?

After going through a divorce almost 4 years ago, I stopped paying on at least 4 or 5 credit cards. I%26#039;ve never paid a dime since, and they have killed my credit.

If I offer a settlement with each one individually, what are the chances they will accept? What percent of the original debt would be good offer?

Also, if they accept the settlement, will it be removed from my credit, and my rating go back up? The damage has already been done, so I really don%26#039;t want to go this route if it is not going to help. In a few years it should be gone from my report anyway, I think.

Any suggestions/advice will be greatly appreciated as I realize this was one of the worst mistakes I ever made in my life.

Are there any good credit/debt internet forums out there?

Credit repair solutions... Help!?postage rate

I used to work for a credit repair company and can offer you some suggestions.

1) DO NOT offer them a settlement. If you have not made payment in 4-5 years, they are considered old trade lines and are not affecting your credit rating at this point as much as you might think. If you offer them a settlement, you will verify the negative account, thus bringing it to current negative status instead of old.

2) Pull your credit and make sure you pull a tri-merge report. This gives you information from all 3 bureas (TransUnion, Experian and Equifax). You will likely see duplicates b/c if company A can%26#039;t collect from you after 6 months or so, they sell your account to company B. Then if company B can%26#039;t, they sell it to company C. So, you may have the same debt listed on there, as negative, 3 times.

3) Begin disputing ALL negative items on your report. Do some %26quot;googling%26quot; and find terminology for disputing negative accounts. Bureaus have 30 days to investigate your dispute and deem it valid or invalid. If the companies can%26#039;t verify things, then they have to remove it from your credit report. Now, this isn%26#039;t to say that 6 months later they can%26#039;t put it back on there if it is valid, but for something 4 or 5 years old, it%26#039;s highly unlikely. And keep in mind, once an item on your report is 7 years old, you can request it be removed.

4) Begin rebuilding your credit. Get a secured credit card. NEVER have more than 1/3 of your limit charged on it. And don%26#039;t immediately pay it off. Example: You get a $300 secured card. Charge $100 on it. When the bill comes, pay $50 and the next month, pay the rest. Continue doing this for about 4-6 months and you will see a great improvement in your score. If you can afford to get 2 or 3 secured cards, even better.

Feel free to contact me if you have questions!

Credit repair solutions... Help!?

loan

Get any and all agreements in writing. Your history won%26#039;t change, but it will age off.|||First to answer your questions. Generally creditors will accept anywhere from 40%-80% of the debt. But this is dependent on several factors such as how old the debt is and how fast you can pay it off. The older the debt and faster you can pay them the more they will knock off.

The question is SHOULD you make a settlement offer. First there is something called the Statute of Limitations, this is the period of time creditors can legally take action to get you to pay. This varies by state and is 2-6 years from the date of the last delinquency. If you are past that they can no longer force you to pay through the courts. The second is the 7 year reporting period. Once 7 years has passed from your date of last delinquency it can no longer be reported on your credit report.

Now, if you are in these periods still and want to take care of the debts the best thing to do is offer to pay it in full IF they remove the collection account. They generally will not do this if you settle for a lesser amount. When you send the offer through certified mail make sure to include the amount you will pay, the dates, and that they need to remove the collection account. DO NOT send any money to them until you have a written agreement from them that they accept the offer.

If you just do a settlement and the collection account remains on your report your score will not improve much. But if you can get them to remove it, it will be like the collection never happened and will improve your score.|||Your best way out is to go to a credit counseling company. Pick a good one and a Christian one is even better since you know they will be offering emotional help as well. They will combine your debts into one payment that you pay them and they will contact all your credit card companies and make the payments to them for you. They automatically negotiate lower interest rates and fix the problem between you and the credit card people. All the credit card people want is their money. They will take it what ever way they can get it. Something to remember that may not work for you since you stopped payments for so long, is that if you go through a situation where you cannot make full payments on something, if you pay something regularly every month, they cannot take you to court, they have to accept the payment. It keeps the door open better for keeping you out of hot water and for negotiations between you and them. The situation you are in now though is better taken care of by a credit counselor who by the way also takes doctor bills, etc and puts them all in the pot. We got completely out of debt that way. We were paying over $1000 a month to all the people we owed and most of it was going to interest penalties and it would have taken us over 25 years to pay them all off. When we went with the credit company, our payments dropped to $600 due to the credit company getting the majoriety of the interest taken off and combining all the debt with us paying them that $600 and most of that money was going to the premium. We were out of debt in 5 years. One thing though, if you go with a credit counselor, you will not be able to charge a thing on any credit card anywhere or take out a loan until you are out of debt. They do make allowances for emergencies sometimes for a loan sometimes but you have to go through them so that they know why and what it is for. If they do not ok it, you will be dropped and have to pay all your credit companies the regular way. We got a loan approved because our van was in an accident and the replacement value wasn%26#039;t enough to get another one. They approved that. Also working with them, will help your credit score increase alot better because you get out of debt on good credit and faster which works well with credit bureaus.|||I have been to %26quot;many%26quot; different credit repair sites on the web. Some were pretty good and some were pretty bad. I refuse to use a website%26lt;!--that requires a fee to get their credit repair info when there is great free sites on the web.. I%26#039;m listing the best site that I%26#039;ve ever been to.

http://badcredits.awardspace.com/repairc...

It is a %26quot;free%26quot; do it yourself credit repair site. I have learned so much by reading and asking questions on that site. And, I have seen %26quot;significant%26quot; improvement on my credit reports after learning--%26gt;my rights and using them.Don%26#039;t pay for information that you can find for free.

Can a store do something by giving me bad credit because the store accidently shipped me the product

I purchased a painting at a store that cost about 1200 dollars on Sunday. I paid 15 % (about 250) by credit card and the rest of it by financing. When I made the purchase, they had a 3 month free financing offer. However, my credit was not strong and was not approved for credit. Before I made the purchase, I asked whether if I do NOT get approved for credit, can I get my deposit back. They said %26quot;Yes%26quot;. On Sunday, the banks were closed to process credit. After 3 days later, the called me saying that I got denied for credit. Therefore, I would have to pay the rest by credit or check. I did not have the money to pay the rest by credit. They now said deposit is not refundable.

However, they accidently shipped me the painting (without full payment). After 5 months, accounting caught up with the the short change and called me. My question is if I do not pay, can they legally screw my credit (or do something), even if they mess up by shipping me the painting? Even I offer to return picture

Can a store do something by giving me bad credit because the store accidently shipped me the product?honda finance

Bad credit is one of the worst problems to have... however there exists a solution.

I will hereby talk from my personal experience.

I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,

if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

http://umgarticles.atspace.com/debt-cons...

if it helps kindly remember me in your voting!.. cheers!

Can a store do something by giving me bad credit because the store accidently shipped me the product?

loan

Your credit is already %26quot;messed up.%26quot; Keeping the picture for five months was inane. Try for a face-to-face meeting with the stores credit manager. Maybe you can negotiate a deal that will satisfy both you and the store.|||They cannot do anything to your credit because you dont have any credit with them. NO CONTRACT EXISTS! The only way that they can enter something on you now is thru court.

YOU SHOULD WELCOME THIS!

They know that they have no recourse (other than to threaten court) that is why they are calling you begging for it back!

I am sure that if they would have REFUNDED Your money at the start of this mess, this would not have been an issue!

BUT NO

THey are extortionists! KEPT YOUR $250.00 for no reason at all!

Man this makes me angry!

Sure they might be able to file a small claims against you, LET THEM.

What exactly would they say?

That they sent you a painting that you agreed to pay for but didnt?

THEN HAVE THEM COUGH UP THE CONTRACT!

Doesnt exist

THEY Sent you a GIFT!

If they do actually get in front of the judge, the worst that will happen is that they ASK you to return the painting! At that point you tell them that you are holding the painting for hostage for your DEPOSIT!

You %26#039;gave%26#039; them something for nothing, let THEM see how it feels.

YOu are willing to do the right thing if THEY are if they are not, then you are not.

Next time they call and ask about YOUR painting

tell them you want to discuss your refund

and since you cannot trust what they say (you tried that once)

you want the discussion to be followed up with a written agreement.

They want to charge you with theft, let them try, what exactly did you steal?

They would be laughed out of court if they say you stole something that THEY SENT TO YOU without a contract.

Your understanding was that they adjusted your deposit to cover the full cost of the painting.

If this was not the case then why 5 months.

They wouldnt dare take you to court

if they do so what, what is the worst that can happen, you give it back.

again

dont take my word for it, call the big three yourself ask the the criteria for putting something negative on your credit

the first thing that they will tell you is that there needs to be some sort of CONTRACT

well they dont have one so they are out of gas there!

ENJOY YOUR PAINTING|||I agree with the poster who said keep it.

Call wells fargo to be sure .

Ask them what the procedures are for denied applications.

That application is probably long gone, but even if it is not, could you get so lucky that they would TRY to enter something against you.

If they did, you would own the studio.

Where is the proof that you agreed to pay for the painting and didnt?

THEY NEED FACTS to enter ANYTHING if they dont have them you dispute it. THE CREDIT CARD company HAS to investigate and if Picture people cant prove it, OFF IT COMES!

THey cant prove it so you win!

ON the off chance me and the other poster are wrong,

IF your credit is already bad, really who cares.

I doubt that you are going to pay off the friends debt anytime soon so 4k or 5k what difference does it make.

Score one for the honest people like you!|||If you return that painting, you deserved to be screwed.

Next time they call, ask them to send you a copy of your contract with regards to this painting (listen to the crickets chirping in the background)

Tell them that you will not talk to them anymore and that you consider these phone calls harrassment.

THen everytime they call, HANG UP!

Block the number if you need to!

The other poster is off his rocker if he thinks you should do the right thing by returning the picture and then HOPE that they will.

You have LEVERAGE NOW

if 5 months have passed and they did not offer you a refund do you REALLY think that you have a snowballs chance in hell of getting one if you give that painting back?|||Tell them that you actually sold the painting to recoup your losses for the $250 that they stole from you.

They cant touch your credit!

your contract was void when the terms could not be agreed to.

who ever heard of $250 to run your credit.

A real company would have said we will hold the painting for 24 hours run the credit and discuss Monday morning.

Sing to them

%26quot;what a tangled web we weave, when we practice to deceive%26quot;|||I wouldnt go talk face to face with any of those liars!

If the credit manager was honest, where would you $250 be?

Tell them that you have consulted with an attorney and that the attorney has instructed you to tell them that you will not pay for nor will you return the gift that they send you unless they agree to send you a refund.

THEN tell them not to call you anymore and that all future contact MUST be made by mail.

Hang up

If when they call you back say, %26quot;I MUST INFORM YOU THAT I AM RECORDING THIS CONVERSATION AS PER MY ATTORNEYS INSTRUCTIONS%26quot;

(even if you aren%26#039;t, they will know you mean business)

Then say %26quot; I HAVE ASKED YOU TO CONTACT ME VIA MAIL ONLY since I am starting to feel harrassed by you over the gift you sent me%26quot;

hang up|||Okay, I hope I have the right idea here. You put 15% down on a painting, were denied in-store credit for the remaining amount owing, and could not pay the store any other way. You asked for your deposit back, and they said no. Then they shipped you the painting anyway. Now they want it back.

First thing%26#039;s first: return the painting. I know it was their mistake, but they might be able to charge you with theft if you don%26#039;t give it back, and that%26#039;s ten times worse than a bad credit rating.

Once you have returned the painting, you owe them nothing, therefore, they should not be able to report you to a credit bureau. (I%26#039;m not sure they could in the first place, if you did not have a signed credit agreement in place with them. A lawyer could tell you, for sure.)

As far as not returning your deposit, I%26#039;d get a little cheesed off about that, especially if you didn%26#039;t sign anything saying the deposit was non-refundable. I%26#039;d make a fuss, and see if they give it back to you like they SAID they would. Threaten them with small claims court or reporing them to the Better Business Bureau. If they still don%26#039;t give it back, you need to decide if it is worth pursuing (it%26#039;s probably not).

Good luck!

How can I get my absolutely free annual credit report online- with no funny buisness included? and n

What I meen by no funny buisness is I do%26#039;nt sign up for any services that offer my free credit report-

-%26quot;all they want is my credit card number%26quot; When I say

FREE,I mean.........FREEEEEEEEEE!!!!!

How can I get my absolutely free annual credit report online- with no funny buisness included? and no charge?heart rate monitor

AnnualCreditReport.com was set up by the big three credit reporting agencies in the United States(Equifax, Experian and TransUnion), to furnish free annual credit reports, as required by federal law. Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies. AnnualCreditReport.com provides consumers with the secure means to do so.

I suggest your credit report from only on of the reporting agencies, then 4 months later, check a different agency, then 4 months later, check the last one. So you%26#039;ll be able to get a continues 4 month look at what might be appearing on your credit report.

And remember, its absolutely free with no subscriptions or cost. You can pay extra for scores, but you don%26#039;t have to.

Source(s):

http://www.annualcreditreport.com

How can I get my absolutely free annual credit report online- with no funny buisness included? and no charge?

loanyour welcome Report It

No one Indian Banks do not offer online purchase via Debit Card or ATM Cards.... .why?

But I can made online purchase via Credit cards. Also Indian banks do not give Credit cards for Students. So I am afraid of Indian Banks. As I am a Student, Is ther any possibilities to get a Credit card? or Is there any Indian Banks offer online purchase via Debit or ATM card....?

No one Indian Banks do not offer online purchase via Debit Card or ATM Cards.... .why?credit card debt

cause they know that there is so much of problem and they are so lethargic that they will not carry out the efforts for it

No one Indian Banks do not offer online purchase via Debit Card or ATM Cards.... .why? loan

get a job than u will get a credit card surely|||Not only students.

Indian Banks have burnt their fingers sufficienctly on credit/debit cards. Once bitten, twice shy.

Now they dont even give cards to police %26amp; advocates, because they never pay their dues in time, and other legal hassles created by them.

Fuel Card - Pro / Cons?

Hi all

Need some advice. I have been offered a fuel card from work. I can a car allowence each month but I only get 12p per mile back for my fuel, so I have asked for a fuel card which is in process. Now the good thing of having the fuel card is that I put all my fuel on this company credit card, but I have been told that I may expect a tax bill at the end or something for my personal miliage, I am a little confused about all this so I need some advice. Can someone please tell me the advantages and disadvantages of having the card and the tax issues related to it. Thanks alot.

F

Fuel Card - Pro / Cons?care credit

I dont know. If they are paying the fuel then the tax is paid at the time of purchase.

Fuel Card - Pro / Cons? loan

tell em you want 40p a mile and no fuel card that way you shouldn%26#039;t pay tax!!

If you pay a lump sum, will credit cards bargain with whats owed?

I owe a credit card over $20,000. If i offer them a lump sum of money ....say $15,000. to get the card paid off, do companies bargain with you like that????? Anyone had experience with this?

If you pay a lump sum, will credit cards bargain with whats owed?inflation rate

It totally depends on your credit score. If you have a low credit score, then banks will negotiate because they may fear they will not get paid. If your score is higher, above 600 with the highest around 850, you may not be able to negotiate. I do not know your circumstances. However, you pay tax on the difference of what you pay and what you owe, so it will still cost you some money. Plus if you settle, this will appear on your credit report for 7 years from the last payment. Are you settling with the bank or issuer of credit cards or the collection agency. I would highly suggest if you have good credit, just try and pay the $15,000.00 and bargain your interest rate down or transfer the $5,000.00 to a lower rate card. The other possibility is going to one of those supposed not-for-profit agencies that negotiate with your lender for a lower rate. Be careful who you choose. Bad credit stays with you for at least 7 years so unless you are in a very bad way, for moral, ethical, and financial reasons (a better credit score means a lower rate), you are better paying. The last resort of course would be a bankruptcy attorney.

If you pay a lump sum, will credit cards bargain with whats owed? loan

It is possible, but they may also report the $5,000 as debt relief and report you to the IRS with a 1099-C.

IF that happens, you will owe income tax on the $5,000 as though it were income.

Pay the $15K towards what you owe and If your credit is decent, try and get some balance transfer cards as close to zero % as possible for the balance, and pay them down/off.

It%26#039;s YOUR debt. Don%26#039;t be a deadbeat.

Some good free websites for filling out offers?

i have done alot of free websites such as gaminglagoon.com/?ref=18672 and treasure trooper.com and i have recieved many free prizes so i know that SOME of the websites are legit.

What my question is is does anybody have any other good websites where you dont need a credit card and you can do free offers to earn prizes? ill sign up under your referal if someone introduces me to another good site :) thanks.

Some good free websites for filling out offers?credit bureau

TRY PENGUIN CLUB

THATS: PENGUINCLUB.COM

I am in the process of paying off my credit cards. I have received a balance transfer offer of 6.9%

months. I have 2 other credit cards that are maxed. One balance is 450 with a 17% APR. My credit limit is 500. The other is 960 with a 21.5% APR. My credit limit is 1000. I plan on paying the cards off with my income tax refund whenever I receive them. Does it look better and will it increase my credit score sooner if I pay down both cards to half or should I pay the card with the higher APR off completely first?

I am in the process of paying off my credit cards. I have received a balance transfer offer of 6.9% APR for 6mortgage lenders

No, you do not want to open another card. Just keep paying on your highest interest one. Your balances are small enough for it not to make to much of a difference. Those credit card companies know what they are doing offering those low interest rates.

I am in the process of paying off my credit cards. I have received a balance transfer offer of 6.9% APR for 6 loan

If you are planning on paying off the cards in only a month or two then don%26#039;t take the offer - you have also failed to indicate the financial charge associated with the transfer offer - it is not free they usually ask for a couple of percentage points.|||First off, never again use more than 50% of your available credit line. That lowers your fica, (good credit), score.

Often, the 6.9% offers, when you read the fine print are for balance transfers specifically.

Either way, depending on how much available credit this new card offers you, pay down some of each card so that you aren%26#039;t hovering so close to your limit anymore.

I%26#039;d pay each down half, but only if that doesn%26#039;t come anywhere near maxing out the new card.